42361 Bald Mountain RdAuberryCA93602
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 42361 Bald Mountain Rd, Auberry, CA, 93602 in Auberry at $575,000 earns $3,582/mo in rent and nets $25/mo after the $2,586/mo payment, a 7.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $158,862 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,296/yr in principal paydown, total projected return reaches $219,619.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $25 | $1,500 |
City averages based on Auberry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,582 |
| Total Monthly Debt Service | $3,328 |
| DSCR Ratio | 1.08x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1979
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93602, Auberry, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,792 (100%) |
| Owner Occupied HU | 1,075 (60.0%) |
| Renter Occupied HU | 253 (14.1%) |
| Vacant Housing Units | 464 (25.9%) |
| Median Home Value | $478,114 |
| Average Home Value | $516,223 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
1,092
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1979
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93602, Auberry, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,792 (100%) |
| Owner Occupied HU | 1,075 (60.0%) |
| Renter Occupied HU | 253 (14.1%) |
| Vacant Housing Units | 464 (25.9%) |
| Median Home Value | $478,114 |
| Average Home Value | $516,223 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
1,092
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Zoe Huebner • Real Broker
Mls Name: Fresno MLS
Mls ID: #639754